| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $6K | $6K | $13K | 12.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 10.68% |
| EMERSON REID LLC3 | 100 SUMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.06% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $143 | $143 | 0.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $5K | — | $5K | 6.67% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS, FLOOR 18 NEW YORK, NY 10016 | EYEMED VISION CARE | $2K | — | $2K | 2.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.80% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 12801 NORTH CENTRAL EXPRESSWAY, SUITE 1710 DALLAS, TX 75243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $162 | $162 | 0.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $855 | — | $855 | 4.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $939 | — | $939 | 8.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $767 | — | $767 | 6.74% |
| TAMARA L RAYMOND4 | 12343 WEST MCSHANE ROAD FRANKLIN, WI 53132 | PRE-PAID LEGAL INC DBA LEGAL SHIELD | $622 | — | $622 | 10.83% |
| WENDY LAST4 | 2417 SHADY CREEK BOULEVARD CARROLLTON, TX 75010 | PRE-PAID LEGAL INC DBA LEGAL SHIELD | $40 | — | $40 | 0.70% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL INC DBA LEGAL SHIELD | $26 | — | $26 | 0.45% |
| ROXANE R CHMIELEWSKI4 | 2406 SOUTH 74TH STREET WEST ALLIS, WI 53219 | PRE-PAID LEGAL INC DBA LEGAL SHIELD | $20 | — | $20 | 0.35% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $66 | — | $66 | 4.83% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 12801 NORTH CENTRAL EXPRESSWAY, SUITE 1710 DALLAS, TX 75243 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $65 | — | $65 | 4.76% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28 | — | $28 | 7.95% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 12801 NORTH CENTRAL EXPRESSWAY, SUITE 1710 DALLAS, TX 75243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25 | — | $25 | 7.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $113K |
| RSC INSURANCE BROKERAGE INC EIN 16-1689464 BROKER | Other commissions Service code 55 | — | $23K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $16K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 597 | $29K |
| Vision | EYEMED VISION CARE | 739 | $75K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 917 | $103K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,076 | $50K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 917 | $162K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 587 | $551K |
| Other(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 917 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,076 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.